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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,808 | $142,392-42.5% | $119,622-31.6% | $134,532-39.2% |
| Participation rate | 23.5% | 82.8%-59.3pp | 79.3%-55.7pp | 81.2%-57.7pp |
| Annual return | -25.22% | -12.46%-12.8pp | -14.98%-10.2pp | 418.27%-443.5pp |
| Employer contribution / active EE | $1,297 | $5,224-75.2% | $4,232-69.4% | $4,741-72.7% |
| Participant deferral / active EE | $2,569 | $6,467-60.3% | $5,601-54.1% | $6,401-59.9% |
| Admin fee / account holder | $6,253 | $13,593-54.0% | $10,328-39.5% | $11,429-45.3% |